get up to 10 lacs in just 60 seconds with postpe and live life to the max! enjoy 30 days of interest free credit, scan and pay on all BharatPe QRs and get up to 3 lacs of instant cash loan with postpe cash.
don’t pay, postpe!
* scan and pay: scan any BharatPe QR codes to pay using your postpe credit limit
* send money: transfer your postpe credit limit directly to your bank account
* postpe cash: get instant cash of up to 3 lacs in your bank account & repay with easy EMIs for up to 15 months
* cashbacks and rewards
* convert your bill to easy EMIs
* one bill, multiple transactions - postpe aggregates all your transactions and generates one bill
How to use postpe?
Download the postpe app
Sign up using phone number
Complete your KYC
Start transacting with postpe
When do I have to repay?
* Bill is generated on the 1st of every month. You can repay within 5 days of bill generation or convert to EMIs.
* You can pay your bill using any UPI app, debit card or net banking.
postpe extends credit line between Rs. 1,000 to Rs. 10,00,000 with instant approval and no collateral for a tenure upto 15 months
Bill is generated every month. Users have option to convert bills to EMIs from 3 months upto 15 months. Users can also repay bill in full at no interest cost by the due date.
postpe loan repayment tenure ranges from minimum of 3 months to a maximum of 15 months
Annual Percentage Rate (APR):
Ranges from 18% - 70%. APR is communicated on the postpe App while converting bill to EMIs or taking postpe loans. APR will be different for different tenures of EMIs.
Example of postpe cash:
* Amount chosen by user: Rs. 1,00,000
* Tenure: 12 months
* Interest Rate : 18% per year (reducing)
* Processing fees: 2.5%
* Repayment Amount: Rs. 1,11,196
* Total Interest Payable: Rs. 11,196
* Processing Fees (incl. GST): Rs. 2500
* Monthly installment (EMI): Rs. 9266.32
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.2,500 + Rs.11,196 = Rs 13,695
* APR : 24.8%
An example of Bill to EMI conversion:
* Amount converted into EMI: Rs. 1,00,000
* Tenure: 6 months
* Interest Rate (APR): 18% per year
* Repayment Amount: Rs. 1,09,000
* Total Interest Payable: Rs. 100,000 x (18%/12)*(6 months) = Rs. 9,000
* Processing Fees (incl. GST): Rs. 0
* Monthly installment (EMI): Rs. 18,166.67
* Total Cost of the Loan: Interest Amount + Processing Fees = Rs.9,000 + Rs.0= Rs. 9,000
postpe is a platform and does not give out loans directly to users. postpe has partnered with RBI approved NBFCs - LendenClub(Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd and Liquiloans(NDX P2P Private Limited). postpe credit limit is sanctioned by one of the NBFCs listed above. You will be shown a sanction letter of the NBFC on the app and shared as a notification.
Please note that postpe is the brand name of the application launched by Resilient Innovations Private Limited (BharatPe). BharatPe is our developer name.
Reach out to us for any queries and suggestions. Our contact details are :
Address: 7th Floor, Tower 8C, Cyber City, DLF City Phase 2, Gurugram, Haryana, 122008
Bug fixes and improvements
Ratings and Reviews
One less star for very short due date
The app is fantastic but the very little time we get to repay the money used is not good.
You get only 5 days to pay the bill and starting the first day you start getting several msgs and WhatsApp to pay the bill immediately.
I don’t say you should provide 20 days as a credit card does but at-least consider 10 days and start reminding us if we don’t pay in 7 days.
I want to use the services but use it as the last option because of the very short due date.
Anyone who has a credit card should use their credit card first.
Hi guys, The money which we scan to merchant it will be directed to barathpe and to claim that amount need to create barathpe account and you know what someone has created barathpe account with one of my merchant acct with his number when I scanned and paid him it was transfer to barathpe acct and it got moved to the one who created that acct now my merchant lost money and I had to repay it again so I lost around 6000 without any usage. Today for that lost amount they charged convenience fees again. I recommend not to use this app. Fraudulent charges and also frauds are already benefitted with this company policies. I raised a complaint from barathpe and postpe and also to the bank which it was transferred nobody was responding. Like my 3000 how many have lost 1 - many thousands. In the same way these fools are earning . I just thought that I can clear my dues on time but with this app I am loosing my money . I sincerely advice today you may not face issue but I am sure someday you will loose big amount for sure where you don’t even have any luck to resolve the issue. I tried to complaint to police and consumer forum but nobody responded. Please don’t use this app guys . Regards, Sai
I have been using postpay for almost a 16 months and never missed on my payments.
Just got hospitalised for 2 weeks which missed the due date. They call you atleast
20-30 times a day torturing us to pay back the money immediately. They don't emphasise or understand what the person is going through or they don't even check the past payments and understand something is wrong and the customer has missed.
When I said I am hospitalised and I notified them that I will get this paid in full and close. They are not understanding that I am in the hospital but all they want me is to arrange money from someone and pay the money.
Worst credit institution I dealt with. I referred many friends and family to this. I am going to have this notified and have their post pay closed or cancelled..and some of customer care lady asking to go sit on traffic signals do begging and pay back money ..not at all happy with his kind of attitude..till now our parents also not spoken in such way ..
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- RESILIENT INNOVATIONS PRIVATE LIMITED
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- iPod touch
- Requires iOS 12.0 or later.
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